- Conduct detailed assessment of home loan, LAP, and affordable housing loan proposals.
- Analyze customer income, banking, repayment capacity, bureau reports, and financial documents.
- Perform personal discussions (PD), field investigations, and reference checks wherever required.
- Evaluate legal, technical, and valuation reports for property-backed loans.
- Ensure adherence to internal credit policies and regulatory guidelines.

Risk Management

- Maintain healthy portfolio quality and control delinquency levels.
- Identify early warning signals and highlight risky proposals.
- Recommend mitigants and structured solutions for borderline cases.
- Monitor fraud indicators and ensure process compliance.

Operational & Process Compliance





- Ensure proper documentation and compliance before loan sanction/disbursement.
- Coordinate with sales, operations, legal, technical, and collections teams for smooth processing.
- Maintain TAT for login-to-sanction process.
- Ensure audit readiness and closure of audit observations within timelines.

Stakeholder Management

- Work closely with Branch Sales teams to achieve business targets without compromising asset quality.
- Guide and support relationship managers/business teams on credit policy and customer profiling.
- Build solid relationships with legal, technical, and valuation partners.

📌 Credit Manager (Noida)
🏢 SURYODAY SMALL FINANCE BANK
📍 Noida